WallStSmart

Progressive Corp (PGR)vsThe Travelers Companies Inc (TRV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Progressive Corp generates 79% more annual revenue ($87.64B vs $48.83B). TRV leads profitability with a 12.9% profit margin vs 12.9%. TRV appears more attractively valued with a PEG of 2.36. TRV earns a higher WallStSmart Score of 71/100 (B).

PGR

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 7.3Quality: 5.3
Piotroski: 4/9

TRV

Strong Buy

71

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 10.0Quality: 5.0
Piotroski: 4/9Altman Z: 0.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PGRUndervalued (+77.2%)

Margin of Safety

+77.2%

Fair Value

$914.94

Current Price

$206.00

$708.94 discount

UndervaluedFair: $914.94Overvalued
TRVUndervalued (+75.3%)

Margin of Safety

+75.3%

Fair Value

$1212.62

Current Price

$296.60

$916.02 discount

UndervaluedFair: $1212.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PGR5 strengths · Avg: 9.0/10
P/E RatioValuation
10.5x10/10

Attractively priced relative to earnings

Return on EquityProfitability
40.5%10/10

Every $100 of equity generates 41 in profit

Market CapQuality
$120.70B9/10

Large-cap with strong market position

EPS GrowthGrowth
25.2%8/10

Earnings expanding 25.2% YoY

Free Cash FlowQuality
$3.05B8/10

Generating 3.0B in free cash flow

TRV6 strengths · Avg: 8.8/10
P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Market CapQuality
$66.16B9/10

Large-cap with strong market position

Return on EquityProfitability
20.7%9/10

Every $100 of equity generates 21 in profit

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Operating MarginProfitability
25.9%8/10

Strong operational efficiency at 25.9%

Areas to Watch

PGR1 concerns · Avg: 2.0/10
PEG RatioValuation
31.062/10

Expensive relative to growth rate

TRV4 concerns · Avg: 3.0/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.5%4/10

3.5% revenue growth

Free Cash FlowQuality
$02/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.652/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : PGR

The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap. Revenue growth of 12.2% demonstrates continued momentum.

Bull Case : TRV

The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.

Bear Case : PGR

The primary concerns for PGR are PEG Ratio.

Bear Case : TRV

The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.

Key Dynamics to Monitor

TRV carries more volatility with a beta of 0.50 — expect wider price swings.

PGR is growing revenue faster at 12.2% — sustainability is the question.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TRV scores higher overall (71/100 vs 67/100). PGR offers better value entry with a 77.2% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Progressive Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.

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The Travelers Companies Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.

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